by the united states congress, the strong leadership of the obama administration. we were able to use the tools and save this individual from losing her home. there are many other stories like that. we have got to personalize this. to me, the key to preserving homeownership in the country, the key to financial success, and i hope a major objective of the consumer financial protection bureau is to provide financial literacy. let people understand what is out there. let them understand their own capacity and the options that are out there. financial literacy is critically important, and that access to products and services that are fair, affordable, and understandable. if we can take those steps, we can help empower people to not only known at home or to make the right financial decisions but to help build our economy, so i just urge you to be bold. when congress passed dodd-frank, when congress passed the establishment of this bureau, we wanted you to be bold, because we do not want to see what we saw in the last five years again. we want you to be bold and preventing the abuse of financial prod